Springfield, MO holds $17.2 billion in deposits across 40 insured institutions and 177 branches, ranking #119 of 293 U.S. markets by economic output. Great Southern Bank is the largest deposit holder at 13.4% share. The top three institutions hold 31.9% of deposits, which places the market in the fragmented band. Deposits have grown 29% since 2020 while the branch count fell by 9.
Deposit trend
Branches: 186 in 2020 to 177 in 2025. Institutions: 36 to 40. Top-three share: 38.4% to 31.9%. Deposits per branch: $97M.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Great Southern Bank | 2.3B | 13.4% | +4% |
| Guaranty Bank | 1.7B | 9.9% | +201% |
| The Central Trust Bank | 1.5B | 8.6% | new since 2020 |
| Omb Bank | 1.4B | 8.1% | +230% |
| Commerce Bank | 1.3B | 7.5% | -12% |
| Oakstar Bank | 1.3B | 7.3% | +86% |
| Legacy Bank & Trust Company | 1.0B | 5.8% | +342% |
| U.S. Bank | 0.7B | 3.8% | +28% |
| Bank of America | 0.7B | 3.8% | +1% |
| Southern Bank | 0.6B | 3.7% | +55% |
The 10 largest of 40 insured institutions with a branch presence, as of June 30, 2025. Five-year change compares the same institution's deposits in 2020 and 2025; an acquirer absorbs the balances of banks it bought.
Counties in this market
| County | State | GDP | Population | Share of GDP |
|---|---|---|---|---|
| Greene County | Missouri | $18,674M | 309,286 | 81.0% |
| Christian County | Missouri | $2,239M | 96,725 | 9.7% |
| Webster County | Missouri | $942M | 43,054 | 4.1% |
| Polk County | Missouri | $902M | 33,604 | 3.9% |
| Dallas County | Missouri | $306M | 18,025 | 1.3% |
Recruiting in Springfield
No single institution dominates deposits here, which usually means more competitors of a size where a strong team can move meaningful share. Who holds the deposits, and how contested the market is, shapes both the runway for growth and the competition you would be recruiting against. We recruit commercial relationship managers, banking teams, and market leaders for banks building in markets like this one, on a retained basis.
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